Product End or Switching | Retirement Interest Only Mortgage Switch

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Initial Rate	Initial Rate Ends	Follow On Rate	Max. LTV	Application Fee	Product Fee	Cashback on Completion	Repayment	Interest Only	FTB
6.19% 2 Year Fixed Rate to 30/11/2026 (XF0834)								Code XF0834 (EB)
More info	30/11/2026	8.44%	80%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 30/11/2026 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 30/11/2025, 1% until 30/11/2026 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.1% APRC.
5.59% 5 Year Fixed Rate to 30/11/2029 (XF0837)								Code XF0837 (EB)
More info	30/11/2029	8.44%	80%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 30/11/2029 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.0% APRC.
5.29% FFGM 5 Year Fixed Rate to 30/11/2029 (XF0839 - IO)								Code XF0839 - IO (EB)
More info	30/11/2029	8.44%	95%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Family First Guarantor applications for Product Switch and Further Advance Loan to Value - 95% Fixed Rate end date - 30/11/2029 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.6% APRC.
5.29% FFGM 5 Year Fixed Rate to 30/11/2029 (XF0839 - RP)								Code XF0839 - RP (EB)
More info	30/11/2029	8.44%	95%	£125*	£0~	£0	Yes	No	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Family First Guarantor applications for Product Switch and Further Advance Loan to Value - 95% Fixed Rate end date - 30/11/2029 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.4% APRC.
5.84% RIO 5 Year Fixed Rate to 30/11/2029 (XFZ024)								Code XFZ024 (EB)
More info	30/11/2029	8.44%	50%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Retirement Interest-Only applications for for Product Switch and Further Advance Loan to Value - 50% Fixed Rate end date - 30/11/2029 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.4% APRC.
6.44% (2.00% discounted rate from follow on rate) for 3 years (XD0219)								Code XD0219 (EB)
More info	3 years	8.44%	60%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Discount - 2.00% applied to our Managed Mortgage Rate for 3 years Minimum Rate - 3.94% Loan to Value - 60% Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 8.0% APRC.
6.69% (1.75% discounted rate from follow on rate) for 3 years (XD0220)								Code XD0220 (EB)
More info	3 years	8.44%	80%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Discount - 1.75% applied to our Managed Mortgage Rate for 3 years Minimum Rate - 4.19% Loan to Value - 80% Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 8.2% APRC.
6.59% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)								Code XD0215 (EB)
More info	2 years	8.44%	60%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Product Switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages Discount - 1.85% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.09% Loan to Value - 60% Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - £500,000 in total (across any original borrowing plus further advance(s) Minimum Loan - £2,000 for further advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 8.5% APRC.
6.84% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)								Code XD0216 (EB)
More info	2 years	8.44%	80%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Joint Borrower Sole Proprietor applications for Product Switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages Discount - 1.60% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.34% Loan to Value - 80% Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum Loan - £500,000 in total (across any original borrowing plus further advance(s) Minimum Loan - £2,000 for further advance. No minimum for product switches ^Cashback - £0 Cost for comparison - 8.5% APRC.
5.69% 2 Year Fixed Rate to 30/11/2026 (XF0840)								Code XF0840 (EB)
More info	30/11/2026	9.19%	60%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 30/11/2026 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 30/11/2025, 1% until 30/11/2026 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.7% APRC.
5.84% 2 Year Fixed Rate to 30/11/2026 (XF0841)								Code XF0841 (EB)
More info	30/11/2026	9.19%	70%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 70% Fixed Rate end date - 30/11/2026 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 30/11/2025, 1% until 30/11/2026 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.7% APRC.
5.19% 5 Year Fixed Rate to 31/10/2029 (XF0842)								Code XF0842 (EB)
More info	31/10/2029	9.19%	60%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/10/2029 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.5% APRC.
5.34% 5 Year Fixed Rate to 31/10/2029 (XF0843)								Code XF0843 (EB)
More info	31/10/2029	9.19%	70%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Further Advance and Product Switch applications Loan to Value - 70% Fixed Rate end date - 31/10/2029 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.6% APRC.
5.84% Ltd Co 2 Year Fixed Rate to 30/11/2026 (XF0844)								Code XF0844 (EB)
More info	30/11/2026	9.19%	60%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 30/11/2026 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 30/11/2025, 1% until 30/11/2026 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.8% APRC.
5.34% Ltd Co 5 Year Fixed Rate to 31/10/2029 (XF0846)								Code XF0846 (EB)
More info	31/10/2029	9.19%	60%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 31/10/2029 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.8% APRC.
5.99% Ltd Co 2 Year Fixed Rate to 30/11/2026 (XF0845)								Code XF0845 (EB)
More info	30/11/2026	9.19%	70%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 70% Fixed Rate end date - 30/11/2026 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 30/11/2025, 1% until 30/11/2026 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.9% APRC.
5.49% Ltd Co 5 Year Fixed Rate to 31/10/2029 (XF0847)								Code XF0847 (EB)
More info	31/10/2029	9.19%	70%	£125*	£0~	£0	Yes	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 70% Fixed Rate end date - 31/10/2029 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.9% APRC.
5.99% Expat 2 Year Fixed Rate to 30/11/2026 (XF0848)								Code XF0848 (EB)
More info	30/11/2026	9.19%	60%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 30/11/2026 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 30/11/2025, 1% until 30/11/2026 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.9% APRC.
6.14% Expat 2 Year Fixed Rate to 30/11/2026 (XF0849)								Code XF0849 (EB)
More info	30/11/2026	9.19%	70%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 70% Fixed Rate end date - 30/11/2026 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 30/11/2025, 1% until 30/11/2026 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.9% APRC.
5.44% Expat 5 Year Fixed Rate to 31/10/2029 (XF0850)								Code XF0850 (EB)
More info	31/10/2029	9.19%	60%	£125*	£0~	£0	No	Yes	No
More info More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 31/10/2029 Application Fee - £125 for Further Advance. £0 for Product Switches Legal Fees* - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029 Maximum Loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.9% APRC.

Initial interest rate	Current follow on rate	Overall cost for comparison	Repayment or Interest-Only?	Max % Loan to Value (LTV)	Product fees	Next steps
6.19% 2 Year Fixed Rate to 30/11/2026 (XF0834)						Compare
6.19%	8.44%	8.1%APRC	Interest-Only	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 30/11/2026 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 30/11/2025, 1% until 30/11/2026 Maximum loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.1% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.59% 5 Year Fixed Rate to 30/11/2029 (XF0837)						Compare
5.59%	8.44%	7.0%APRC	Interest-Only	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 80% Fixed Rate end date - 30/11/2029 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029 Maximum loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.0% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.29% FFGM 5 Year Fixed Rate to 30/11/2029 (XF0839 - IO)						Compare
5.29%	8.44%	7.6%APRC	Interest-Only	95%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Family First Guarantor applications for Product Switch and Further Advance Loan to Value - 95% Fixed Rate end date - 30/11/2029 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029 Maximum loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.6% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.29% FFGM 5 Year Fixed Rate to 30/11/2029 (XF0839 - RP)						Compare
5.29%	8.44%	7.4%APRC	Repayment	95%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Family First Guarantor applications for Product Switch and Further Advance Loan to Value - 95% Fixed Rate end date - 30/11/2029 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029 Maximum loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.4% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.84% RIO 5 Year Fixed Rate to 30/11/2029 (XFZ024)						Compare
5.84%	8.44%	7.4%APRC	Interest-Only	50%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Retirement Interest-Only applications for for Product Switch and Further Advance Loan to Value - 50% Fixed Rate end date - 30/11/2029 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 30/11/2025, 4% until 30/11/2026, 3% until 30/11/2027, 2% until 30/11/2028, 1% until 30/11/2029 Maximum loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.4% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
6.44% (2.00% discounted rate from follow on rate) for 3 years (XD0219)						Compare
6.44%	8.44%	8.0%APRC	Interest-Only	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Discount - 2.00% applied to our Managed Mortgage Rate for 3 years Minimum Rate - 3.94% Loan to Value - 60% Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year Maximum loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.0% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
6.69% (1.75% discounted rate from follow on rate) for 3 years (XD0220)						Compare
6.69%	8.44%	8.2%APRC	Interest-Only	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Discount - 1.75% applied to our Managed Mortgage Rate for 3 years Minimum Rate - 4.19% Loan to Value - 80% Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year Maximum loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.2% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
6.59% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)						Compare
6.59%	8.44%	8.5%APRC	Interest-Only	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Product Switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages Discount - 1.85% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.09% Loan to Value - 60% Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum loan - £500,000 in total (across any original borrowing plus further advance(s) Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.5% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
6.84% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)						Compare
6.84%	8.44%	8.5%APRC	Interest-Only	80%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Joint Borrower Sole Proprietor applications for Product Switch and further advance. Also available for product switch and further advance for existing Guarantor mortgages Discount - 1.60% applied to our Managed Mortgage Rate for 2 years Minimum Rate - 4.34% Loan to Value - 80% Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% in the first year, 1% in the second year Maximum loan - £500,000 in total (across any original borrowing plus further advance(s) Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.5% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.69% 2 Year Fixed Rate to 30/11/2026 (XF0840)						Compare
5.69%	9.19%	8.7%APRC	Interest-Only Repayment	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 30/11/2026 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 30/11/2025, 1% until 30/11/2026 Maximum loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.7% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.84% 2 Year Fixed Rate to 30/11/2026 (XF0841)						Compare
5.84%	9.19%	8.7%APRC	Interest-Only Repayment	70%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 70% Fixed Rate end date - 30/11/2026 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 30/11/2025, 1% until 30/11/2026 Maximum loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.7% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.19% 5 Year Fixed Rate to 31/10/2029 (XF0842)						Compare
5.19%	9.19%	7.5%APRC	Interest-Only Repayment	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 60% Fixed Rate end date - 31/10/2029 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029 Maximum loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.5% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.34% 5 Year Fixed Rate to 31/10/2029 (XF0843)						Compare
5.34%	9.19%	7.6%APRC	Interest-Only Repayment	70%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Further Advance and Product Switch applications Loan to Value - 70% Fixed Rate end date - 31/10/2029 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029 Maximum loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.6% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.84% Ltd Co 2 Year Fixed Rate to 30/11/2026 (XF0844)						Compare
5.84%	9.19%	8.8%APRC	Interest-Only Repayment	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 30/11/2026 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 30/11/2025, 1% until 30/11/2026 Maximum loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.8% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.34% Ltd Co 5 Year Fixed Rate to 31/10/2029 (XF0846)						Compare
5.34%	9.19%	7.8%APRC	Interest-Only Repayment	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 31/10/2029 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029 Maximum loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.8% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.99% Ltd Co 2 Year Fixed Rate to 30/11/2026 (XF0845)						Compare
5.99%	9.19%	8.9%APRC	Interest-Only Repayment	70%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 70% Fixed Rate end date - 30/11/2026 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 30/11/2025, 1% until 30/11/2026 Maximum loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.9% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.49% Ltd Co 5 Year Fixed Rate to 31/10/2029 (XF0847)						Compare
5.49%	9.19%	7.9%APRC	Interest-Only Repayment	70%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Limited Company Buy to Let applications for Product Switch and Further Advance Loan to Value - 70% Fixed Rate end date - 31/10/2029 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029 Maximum loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.9% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.99% Expat 2 Year Fixed Rate to 30/11/2026 (XF0848)						Compare
5.99%	9.19%	8.9%APRC	Interest-Only	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 30/11/2026 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 30/11/2025, 1% until 30/11/2026 Maximum loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.9% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
6.14% Expat 2 Year Fixed Rate to 30/11/2026 (XF0849)						Compare
6.14%	9.19%	8.9%APRC	Interest-Only	70%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 70% Fixed Rate end date - 30/11/2026 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 2% until 30/11/2025, 1% until 30/11/2026 Maximum loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 8.9% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back
5.44% Expat 5 Year Fixed Rate to 31/10/2029 (XF0850)						Compare
5.44%	9.19%	7.9%APRC	Interest-Only	60%	£0~	More details and apply Less info
Compare
More details and apply Less info Some key features of this mortgage Purpose - Expat applications for Product Switch and Further Advance Loan to Value - 60% Fixed Rate end date - 31/10/2029 Application fee - £125 for Further Advance. £0 for Product Switches Legal fees - £100 minimum for Further Advance applications Valuation Fees - £0 ^~Product Fee - £0 for Further Advance and Product Switch Early Repayment Charges - 5% until 31/10/2025, 4% until 31/10/2026, 3% until 31/10/2027, 2% until 31/10/2028, 1% until 31/10/2029 Maximum loan - No maximum Minimum Loan - £2,000 for further advance. No minimum for product switches Cost for comparison - 7.9% APRC. See full details for fee details, documents you'll need, and more. Take the next step: See full details See what I could borrow Ask us to call you back

Comparing two mortgage products


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Note that products are subject to additional terms and subject to change. See a product's full details to find out more.

Case study - A second chance at being a homeowner in retirement

Alicia wanted to relocate and become a homeowner again in her retirement

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Over 125 years of helping people move in

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6.19% 2 Year Fixed Rate to 30/11/2026 (XF0834)

5.59% 5 Year Fixed Rate to 30/11/2029 (XF0837)

5.29% FFGM 5 Year Fixed Rate to 30/11/2029 (XF0839 - IO)

5.29% FFGM 5 Year Fixed Rate to 30/11/2029 (XF0839 - RP)

5.84% RIO 5 Year Fixed Rate to 30/11/2029 (XFZ024)

6.44% (2.00% discounted rate from follow on rate) for 3 years (XD0219)

6.69% (1.75% discounted rate from follow on rate) for 3 years (XD0220)

6.59% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)

6.84% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)

5.69% 2 Year Fixed Rate to 30/11/2026 (XF0840)

5.84% 2 Year Fixed Rate to 30/11/2026 (XF0841)

5.19% 5 Year Fixed Rate to 31/10/2029 (XF0842)

5.34% 5 Year Fixed Rate to 31/10/2029 (XF0843)

5.84% Ltd Co 2 Year Fixed Rate to 30/11/2026 (XF0844)

5.34% Ltd Co 5 Year Fixed Rate to 31/10/2029 (XF0846)

5.99% Ltd Co 2 Year Fixed Rate to 30/11/2026 (XF0845)

5.49% Ltd Co 5 Year Fixed Rate to 31/10/2029 (XF0847)

5.99% Expat 2 Year Fixed Rate to 30/11/2026 (XF0848)

6.14% Expat 2 Year Fixed Rate to 30/11/2026 (XF0849)

5.44% Expat 5 Year Fixed Rate to 31/10/2029 (XF0850)

6.19% 2 Year Fixed Rate to 30/11/2026 (XF0834)

Some key features of this mortgage

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5.59% 5 Year Fixed Rate to 30/11/2029 (XF0837)

Some key features of this mortgage

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5.29% FFGM 5 Year Fixed Rate to 30/11/2029 (XF0839 - IO)

Some key features of this mortgage

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5.29% FFGM 5 Year Fixed Rate to 30/11/2029 (XF0839 - RP)

Some key features of this mortgage

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5.84% RIO 5 Year Fixed Rate to 30/11/2029 (XFZ024)

Some key features of this mortgage

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6.44% (2.00% discounted rate from follow on rate) for 3 years (XD0219)

Some key features of this mortgage

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6.69% (1.75% discounted rate from follow on rate) for 3 years (XD0220)

Some key features of this mortgage

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6.59% JBSP (1.85% discounted rate from follow on rate) for 2 years (XD0215)

Some key features of this mortgage

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6.84% JBSP (1.60% discounted rate from follow on rate) for 2 years (XD0216)

Some key features of this mortgage

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5.69% 2 Year Fixed Rate to 30/11/2026 (XF0840)

Some key features of this mortgage

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5.84% 2 Year Fixed Rate to 30/11/2026 (XF0841)

Some key features of this mortgage

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5.19% 5 Year Fixed Rate to 31/10/2029 (XF0842)

Some key features of this mortgage

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5.34% 5 Year Fixed Rate to 31/10/2029 (XF0843)

Some key features of this mortgage

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5.84% Ltd Co 2 Year Fixed Rate to 30/11/2026 (XF0844)

Some key features of this mortgage

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5.34% Ltd Co 5 Year Fixed Rate to 31/10/2029 (XF0846)

Some key features of this mortgage

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5.99% Ltd Co 2 Year Fixed Rate to 30/11/2026 (XF0845)

Some key features of this mortgage

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5.49% Ltd Co 5 Year Fixed Rate to 31/10/2029 (XF0847)

Some key features of this mortgage

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5.99% Expat 2 Year Fixed Rate to 30/11/2026 (XF0848)

Some key features of this mortgage

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6.14% Expat 2 Year Fixed Rate to 30/11/2026 (XF0849)

Some key features of this mortgage

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5.44% Expat 5 Year Fixed Rate to 31/10/2029 (XF0850)

Some key features of this mortgage

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